Track your ISA contributions across all types and see how much of your \u00a320,000 allowance remains for 2025/26.
Enter amounts paid in during the 2025/26 tax year
Maximum \u00a34,000 per year
The ISA allowance resets on 6 April each year. Unused allowance cannot be carried forward.
Remaining Allowance
£10,000
of £20,000 total
Cash ISA
£5,000
Stocks & Shares
£3,000
IFISA
£0
Lifetime ISA
£2,000
LISA remaining sub-allowance: £2,000 of £4,000
Individual Savings Accounts (ISAs) are tax-efficient savings and investment wrappers available to UK residents. The annual ISA allowance for 2025/26 is \u00a320,000, which can be split across different types of ISA. Any interest, dividends, or capital gains earned within an ISA are completely free from UK tax.
There are four main types of ISA: Cash ISAs (which work like savings accounts), Stocks and Shares ISAs (for investing in funds, shares, and bonds), Innovative Finance ISAs (for peer-to-peer lending), and Lifetime ISAs (for first-time home buyers or retirement savings). Each has different risk profiles and potential returns.
Since the ISA allowance cannot be carried forward, it is important to use it before 5 April each year. Many investors make their ISA contributions early in the tax year to maximise the time their money is invested, but even last-minute contributions before the deadline can provide valuable tax benefits for years to come.
Building a savings habit is one of the most effective ways to improve your financial wellbeing. You may also find our Compound Interest Savings Calculator useful for related calculations.
For a broader view of your finances, try the Compound Interest Calculator or the Take-Home Pay Calculator. All of our calculators are free to use and updated for the 2026/27 tax year where applicable.
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